Is your home still insurable?
Seven of the twelve largest insurers in California have stopped or limited writing new home policies. The state's insurer of last resort — the FAIR Plan — has more than tripled its exposure since 2021. Insurable CA tells you, by address, who will still cover your home and what FAIR Plan would cost if no one will.
The address check
Type a California ZIP. We return a writability tier, the carriers most likely to write your home, and an estimated FAIR Plan + DIC bundle if you can't get a standard policy. Demo data approximated from CDI and FAIR Plan public filings.
California risk atlas
Each marker is a California county sized to its FAIR Plan policy count as of September 2025. The four red counties — Los Angeles, San Bernardino, San Diego, Riverside — hold 52% of the state's FAIR Plan policies between them.
Carrier matrix
Where the largest California home-insurance carriers stand on writing new policies, as of public filings and reporting. This is a demo snapshot — verify directly with each carrier or your broker before acting.
FAIR Plan + DIC cost calculator
FAIR Plan covers fire only. To match a standard policy you usually pair it with a Difference in Conditions (DIC) policy from a surplus carrier. The combined premium typically runs 2.0× to 3.5× what a standard homeowners policy costs. Estimate yours below.
If you've already been dropped
A 75-day-notice non-renewal letter is not the end. California protects you in ways most homeowners don't realize. Work this list, top to bottom.
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01
Check the wildfire moratorium
If your ZIP code is within or adjacent to a declared wildfire disaster area, your insurer cannot non-renew you for one year. The CDI publishes the moratorium ZIP list after each major fire — it has protected 4M+ homeowners since 2019.
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02
Demand the underwriting reason in writing
Insurers must give you a specific reason — not just "increased risk." Ask for the property risk score and the inputs (roof age, vegetation, slope, claims). You can dispute factual errors with the carrier and the CDI.
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03
Harden, then re-shop the standard market
Class A roof, 5-foot ember-free zone, screened vents, and Safer from Wildfires certification all measurably move risk scores. Mercury, CSAA, Auto Club, Stillwater, and select surplus lines write hardened homes that big national carriers won't.
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04
If the standard market won't quote — get a FAIR + DIC bundle
An independent broker can write a FAIR Plan fire policy paired with a Difference in Conditions wraparound (theft, water, liability). It's more expensive but gives you a complete policy your lender will accept.
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05
Watch for re-entries
Carriers cycle in and out of California ZIPs as rate filings get approved. Reshop every 6 months — the market that rejected you in March may write you in November.
Watch your ZIP
Drop your ZIP and we'll notify you the next time a top-12 carrier resumes writing in your area, or your area is added to a CDI moratorium list. Demo waitlist — your entry is stored only in this browser.
Sources & methodology
Every number on this page is sourced. Demo data points are clearly labeled. We do not have an affiliation with any carrier, broker, or government body.
- California FAIR Plan — Key Statistics & Data (Sept 2025): policies in force, total exposure, county breakdowns.
- California Department of Insurance — Summary on Residential Policies and the FAIR Plan (PDF, Jan 2025).
- State Farm — California marketplace statement: 30,000 homeowner non-renewals, 42,000 commercial.
- CDI — Mandatory One-Year Moratorium on Non-Renewals: 4M+ homeowners protected since 2019.
- MoneyGeek — Private Insurers Exiting 46 of 58 California Counties.
- Bankrate — Limited home insurance options as major carriers pull back.
- United Policyholders — Dropped by Your Insurer? Where to Go for Help.
- Insurance Journal — Will FAIR Plan Have Enough Cash for Wildfire Claims?